Windows ships with backup features, so it's fair to ask why you'd pay for anything. The honest answer: the built-ins cover the easy half of a backup strategy and quietly skip the half that saves you in a real disaster.
There are actually three different built-in tools, and it helps to separate them: File History (versioned copies of your libraries to an external or network drive), Backup and Restore (Windows 7) (an old system-image tool still hanging around), and the newer Windows Backup app (which mostly syncs settings and folders to OneDrive). None of them is a full off-site, encrypted, any-destination backup.